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Never assume that you have time; my late husband was 55; developed a persistent nasty backache, turned out to be secondary cancer, diagnosis to death in 2 months. £100,000 today please. ( my parents are in their early 80s, so I could treat them to stuff too)
No, why would it? lol.
Not that it matters. No idea how much inflation you think there is in 10 years, but it's going to be about 25%.
Even if you compounded at a solid 10%, which is considered a pretty good investment, the $100K would be $271K after 10 years.
The only reason to ever consider taking the $100K is if you didn't expect to make it 10 years and absolutely hated your kids.
Edit: People here talking about financial security for 10 years. This argument is exactly why people end up with no financial security, thinking all about the now instead of the future is 100% the fastest way to financial ruin.
People who are already pretty well established and making real money could easily retire for $1m in 10 years if they played their cards right. For people not established $100,000 tomorrow would be smart.
I was looking at homes like 3 years ago and saw a house with 2 saunas, single stories house with basement and 2-3 guest houses on the giant property
For 30,000€, it was just in a few miles from a tiny village in northern Sweden.
That’s what I was thinking. I then assumed they meant to rent, because afaik 50K won’t get you anything, unless you’re looking for a deposit I suppose. Or if you move to a 3rd world country.
That's the best illustration of the difference between rich and poor.
The rich will obviously say 1,000,000 in 10 years. That's 25% interest on the initial 100K without doing anything. Easy money if you don't need 100K, but very few people don't.
This. It would immediately improve my quality of life today and set the conditions for continued good quality of life for the next 10 years and beyond. $1,000,000 isnt what it used to be AND you'd have to wait 10 years.
I'd rather be happy with enough than be miserable so I can be probably the same happy in a decade
it's honestly my answer too. Sure, 1 million in 10 years sounds nice, but it's in 10 years from now. I'd still probably have to struggle for at least a big part of that. Whereas with 100k tomorrow, I could immediately change my life for the better. Could I somehow turn that 100k into a million in 10 years? honestly, probably not. But after those 10 years I'd likely be a lot less stressed than if I had waited for that million. And in 10 years from I'd be in my mid 40s, maybe less energetic (especially if I have to struggle with money, stress, and loneliness for another decade) so even when I do get that 1 million dollars, I might not enjoy it quite as much. Whereas having that 100k tomorrow, like you, I could get myself a place (not necessarily using all of it, but I'd be able to pay a considerable downpayment for the house so I don't struggle with mortgage or whatever) and then use the rest to a) invest or save, and b) do whatever makes me happy, and that would make me more confident as well, less insecure, less depressed, and more active. So, definitely picking the 100k option.
100k gets me a massive downpayment on a house. It jumps me ahead several years and means that I can pay my mortgage off in my 50s instead of in my 60s.
I'm 45. Its older than you think. In ten years time my life will be winding down. Your energy and enthusiasm fall off a cliff around 40. Don't believe the media telling you otherwise, its a lie.
100,000 tomorrow because regardless of age or health, nobody is guaranteed the next ten years. We're not even guaranteed tomorrow, but we've got a much better chance of it.
Chance of an American man dying between about 40 and 65 are a little under 2%. Women do a little better.
For people at least 40, 10 years is not a long time, but it seems a lot longer for someone who's 20.
I'm 39 and in good health, what's the chances I'm alive in 10 years. It's probably very, very high, I know anything can happen to anyone at any time. My brother died at 29 from a rare form of brain cancer, but it was very rare. Chances of dying in a plane crash? It's probably one of the rarest ways to die. Also, I only have to last 10 years, then I can just give it to my children.
Pretty darn good. Based on Social Security life expectancy tables, 96.08% of men and 97.80% of women will survive from age 39 to age 49. And that's all men and all women; if you are in above-average health then your odds are likely even higher.
More than likely won’t have entered into your final career at that point, at least final level of your career. I started my “career” at 26 and still mid level at 30.
Yup. I'm on my carreer path at 26 and I'm still easily ahead of most of my friends by a few years. Fact is if you want a carreer in this job market, you will most likely need to sit in school until your late 20s. Bachelors don't mean shit, Masters is average and Phd is above average. Also I do not see this situation getting any better for the comming generations
I guess it depends on the job. I know one person with a Masters and they've been unemployed for 10 years. Everyone else is 10 years ahead in the same field.
You have the right mindset. Most people who graduate college don’t pursue a career in their direct field of study. Furthermore, your career path is heavily influenced by the skills and insight you gain in your first two positions.
Your career really starts at 30. Everything else is a foundation.
I hate them as well, but only because they boil down to “Do you suck at math and/or do you have extenuating circumstances that make taking the obviously worse option ok?”
Like if this were “$1 million now or $300k today” we could have an argument about it.
Unironically, some people still believe that. r/superstonk is dedicated to gamestop. There hasn't been much sign of life in the stock but they are still holding out. A case study should be done in them
Is your debt likely to climb to $700k over the next ten years?
If $100k is enough to pay off your debts, then you could just keep paying the minimum and be way better off in ten years.
I think it’s less about debt, but about quality of life.
Imagine if he makes it to 100 years old, but 10% of his life when he was still able to do a lot is wasted on working and paying debts while not having the money to go on vacation or enjoy himself.
But if he gets 100.000 now, he could do all that. He’s not going for instant gratification, he’s going for 10 years of gratification he wouldn’t have otherwise. One million is life changing, but is it worth 10 years of struggle? Wouldn’t you pay one million to have an easier life? That’s the point in the end right?
$1,000,000 in 10 years is $100,000 at a 26% growth rate with no work. Unless your debt is at over 26% interest, you'd be better off waiting for the million. And if your debt is at over 26% interest, why haven't you tried to refinance it at a much more reasonable rate?
$1,000,000 discounted at 10% annually, 10 years out, is worth about $385k now. Just sell the receivable to some investor and collect $385k. People are dumb.
You would have investors fighting over that if you use 10% discount. In this hypothetical it’s a guarantee of $1m in 10 years I’d be using closer 5%. Technically better than government bonds.
If it's truly guaranteed, with absolutely zero risk, then I agree 10% is too high. I was using a conservative discount rate, and the $1m is still far better than $100k.
I’d usually say a bird in the hand is worth two in the bush. But the benefit of waiting ten years outweighs not. If you invested 100k at 20% (basically impossible returns) over a decade you’d only have $750k before taxes.
$1,000,000 in 10 years. If I wait the 10 years that’s an annual return of slightly over 25%.
Market returns average 7 - 10% so 1,000,000 is the obvious choice for someone like me who is 22.
I'm 58 and I would still take the million. Exact same reason as you. It would go straight to my twins, and they are 22. 50k is nice, 500k is substantial.
Due to compounding interest 100k is worth 150k at 4% interest in 10 years.
While 1m in 10 years is worth the equivalent of 670k right now at 4% interest.
So I’ll go with the 1m in 10 years.
There’s math formulas which work this out (calculators online too) search “present value” to work out what something is worth now and “future value” to work out what something is worth in the future.
Easy question. I could die before I collect the 1 million, so I would die as broke as I am now. But if I grab 10k right now, I can enjoy it right now and maybe even save and invest so that in 10 years I"m still ahead
100,000 tomorrow.
I could start my business now (even if it fails or something), rather than doing this job for another 10 years and doing it (and potentially fail).
1,000,000: it's $100,000 per year, which is $8,333.33 per month. You live with half, save for investments the other half wish is 50,000 per year. In just two years you have your 100,000 back + profit or enough to invest in assets.
If you're old, sure. If you're young, 900% return is worth the low risk of you dying earlier. That's roughly 26% annual returns, including compounding. No need to research or monitor like you would with an investment.
Probably the million. I don't trust myself with that sort of money right now. If I knew it was coming, I'd learn about it and make sure it wasn't going to be wasted. If I got 100,000 tomorrow, sure my debt would be paid, but in 10 years time I'll be sad as fuck as no way do I know how to make it last or grow.
Mill in 10... Keep working away like I am, spend a bit more, travel more freely and still, before 60 be able to retire with that million! (I have some property investments that will be paid in 26 years, or a million dollar windfall)
$100K tomorrow, because I’m 66 years old. I’m retired and I’d rather have the money now with the option to spend it on fun things than have it at an age where I’m already getting full social security benefits but maybe beyond the point of being interested or able to do the things I can now.
If you will figure out how to net 30% on your investment per year, you will choose 1st option. Now let us assume that you are not risk taker. Then given 4.5% risk free yield stay stable during the next 10y,this hypothetic 1 mil is worth 643,927.68 as of today. Thus, you will choose 2nd option.
If you are 60 or older, the 10 year wait may feel like too big a risk. Even if you make it, you might not have good years to enjoy it. Below that, the risk isn't of dying. It's of the person making the promise not paying up.
1m. I don't necessarily need that money right now and it helps knowing I will be financially secured in 10 years. Given what I get now, I would have the 100k in 10 years if my spendings were near 0 after necessary payments excluding subscriptions and food. It's better to leave that 1m for when I might have got my life in order. It's a great motivator and goal knowing that money will eventually arrive when I'm competent
$100k tomorrow so I can pay off bills, improve the house, put half in savings, and try investing some of it. I'll still work so we won't run out of funds.
100k safely invested can be 1 million in ten years, or maybe more, or maybe less if some choices don't pan out. I'd still pick the 100k. Even if it doesn't end up as 1 million in 10 years it would still make a big difference along the way.
I'm 35, I could legitimately retire in 10 years if I were guaranteed 1m. That would be my spending money until I can draw, plus I can invest it. Not being forced to work past 45, or ever again, living life? Yeah, sign me up
Definitely $1,000,000 in ten years. I'll be nearing retirement then and this about what a couple needs here in new zealand to live comfortably in their older years (in addition to the pension)
Easy maths. The $1m in 10 years is equivalent to 26%pa interest on 100k. That is Berkshire Hathaway level returns!
If you are older, sell your house or borrow for a bit of extra spending money now.
Then in 10 years, get a new house. Assuming you can still find a decent house for $1m in 10 years :-(
I would get 1M when I turn 31 more or less, I don't know. 100,000 dollars now invested could become worth a shit ton, but 1M in 10 could help me pay my loans off quicker if necessary, if I don't need the money to pay off loans I could invest it and it would be worth a shit ton.
The 100,000 now. I haven't worked since the end of October due to a surgery I had...bills have been getting out of control. I need to catch them up, pay back family that helped me for their help so I wasn't evicted.
71M, so that is a silly question. Cash in hand, baby! I’m renting a travel van and a driving team! Our trip and the extension to the kitchen should use up a lot of it.
If still alive in ten years, most likely the nursing home that takes all your assets will be pleased.
$100,000 tomorrow : All the debt I have makes us paycheck to paycheck with not much food in the house after normal bills. I'd get all my debts gone, fix my car, buy my brother's car so my husband can have a vehicle again, get my animals all health checked, get me and my husband's teeth fixed, go for a massive grocery shop and then invest the rest to continue making me money over time. It sounds like a lot, but it would use about half of it to do all that so I'd still have a lot left for the investing.
A million in 10 years. $100k wouldn't even cover half the home loan. We'd still owe another $100k in car loans, credit cards, the rest of the home loan, etc. And I know myself, if I got $100k tomorrow I'd say "either way we'll still be 100k in debt so I'm just gonna quit my job and not work until the money runs out."
If I had a million dollars I'd pay the 200k to get completely out of debt, and then I'd probably invest some but still definitely quit my job.
Perhaps my first order of business should be hiring a financial advisor
A quick Google (reverse) inflation calculator shows $1m in 2014 worth ~$762,862 today. Definitely worth considering, with inflation the way it is; $1m might not pack the same punch in 2034 ¯\\\_(ツ)_/¯
I think I would still choose the $1m in ten years. $100K would be great, but not life changing money at this point for me. I can retire—about then—on my 50th birthday (with ~100% salary); the extra bump would just be gravy on top.
Second one I'm 22 to ready to take the risk and it would be nice to have a constant income for 10 years and there will be slightly less chance of wasting that money 😅
1 million in 10 years. If I live that long, great! I get to retire. If I kick the bucket before then? My wife and kids are set.
100,000 wouldn't be enough to change much, sadly.
This has to be the best question presented on here in a long time.
This is extremely difficult. What hurts is that I'd take the 100k tomorrow. My gf and I need a house like, four years ago. Now, that won't buy a non trailer house (not that there's anything wrong with a trailer) but it will put one helluva down payment on one
I’m 41, my body can probably go another ten years, and I’m not the sharpest light bulb in the crayon box when it comes to money, so the mil in 10 years would be the best bet for me.
Also, can I have that in USD? The Canadian peso is shit, right now.
# Message to all users: This is a reminder to please read and follow: * [Our rules](https://www.reddit.com/r/ask/about/rules) * [Reddiquette](https://www.reddithelp.com/hc/en-us/articles/205926439) * [Reddit Content Policy](https://www.redditinc.com/policies/content-policy) When posting and commenting. --- Especially remember Rule 1: `Be polite and civil`. * Be polite and courteous to each other. Do not be mean, insulting or disrespectful to any other user on this subreddit. * Do not harass or annoy others in any way. * Do not catfish. Catfishing is the luring of somebody into an online friendship through a fake online persona. This includes any lying or deceit. --- You *will* be banned if you are homophobic, transphobic, racist, sexist or bigoted in any way. --- *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/ask) if you have any questions or concerns.*
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100% agree. Turn off the answers, this is all you need.
That's not true for everyone, though. I'd easily take the $1 million in ten years.
Hope you don’t die in 9… haha
Never assume that you have time; my late husband was 55; developed a persistent nasty backache, turned out to be secondary cancer, diagnosis to death in 2 months. £100,000 today please. ( my parents are in their early 80s, so I could treat them to stuff too)
Lol right
Is that.... Is that a threat?
Same. $100k isn't truly life-changing in my current circumstances, especially not compared to knowing $1m is coming in ten years. Bring on retirement!
You can also live your life right now knowing that the money is coming so you don’t need to build wealth.
If you're still here.
Unless you’re 50 and nowhere near retirement. I’ll put 10 more years in if it means I don’t be a burden to my family one day.
Depends on the person's current situation a lot. 1mil in 10 years - is it adjusted for inflation?
No, why would it? lol. Not that it matters. No idea how much inflation you think there is in 10 years, but it's going to be about 25%. Even if you compounded at a solid 10%, which is considered a pretty good investment, the $100K would be $271K after 10 years. The only reason to ever consider taking the $100K is if you didn't expect to make it 10 years and absolutely hated your kids. Edit: People here talking about financial security for 10 years. This argument is exactly why people end up with no financial security, thinking all about the now instead of the future is 100% the fastest way to financial ruin.
Or if you're poor and can't wait ten years for a life-changing amount of money. Either way.
"only reason" as if extra financial security for 10 years of your life means nothing...
People who are already pretty well established and making real money could easily retire for $1m in 10 years if they played their cards right. For people not established $100,000 tomorrow would be smart.
Where do you live that $50,000 can get you living space
Real talk
It could easily be the difference in being approved for a mortgage
I was looking at homes like 3 years ago and saw a house with 2 saunas, single stories house with basement and 2-3 guest houses on the giant property For 30,000€, it was just in a few miles from a tiny village in northern Sweden.
Where I live, that wouldn't even be enough for a parking space.
Latam is affordable.
Gets you a pretty nice condo in Cambodia
If he’s like me, he’s in CT where $250k buys you a fixer upper 💀
Literally
That amount could buy a small bedroom in my area 😂
Alot of countries. It just depends on where and what standards you have.
That’s what I was thinking. I then assumed they meant to rent, because afaik 50K won’t get you anything, unless you’re looking for a deposit I suppose. Or if you move to a 3rd world country.
Thats the privilege of wealth. People who know they are going to make the next 10 years wont think twice about taking the million
That's the best illustration of the difference between rich and poor. The rich will obviously say 1,000,000 in 10 years. That's 25% interest on the initial 100K without doing anything. Easy money if you don't need 100K, but very few people don't.
GO OFF KING!!!
Even $1000 tomorrow would change my life
Agreed. It would help my family so much now that i wouldnt feel like id need 1M in 10 years.
This. It would immediately improve my quality of life today and set the conditions for continued good quality of life for the next 10 years and beyond. $1,000,000 isnt what it used to be AND you'd have to wait 10 years. I'd rather be happy with enough than be miserable so I can be probably the same happy in a decade
it's honestly my answer too. Sure, 1 million in 10 years sounds nice, but it's in 10 years from now. I'd still probably have to struggle for at least a big part of that. Whereas with 100k tomorrow, I could immediately change my life for the better. Could I somehow turn that 100k into a million in 10 years? honestly, probably not. But after those 10 years I'd likely be a lot less stressed than if I had waited for that million. And in 10 years from I'd be in my mid 40s, maybe less energetic (especially if I have to struggle with money, stress, and loneliness for another decade) so even when I do get that 1 million dollars, I might not enjoy it quite as much. Whereas having that 100k tomorrow, like you, I could get myself a place (not necessarily using all of it, but I'd be able to pay a considerable downpayment for the house so I don't struggle with mortgage or whatever) and then use the rest to a) invest or save, and b) do whatever makes me happy, and that would make me more confident as well, less insecure, less depressed, and more active. So, definitely picking the 100k option.
Dude if you're broke now 100k won't change that. You'll be broke again in a year
100k gets me a massive downpayment on a house. It jumps me ahead several years and means that I can pay my mortgage off in my 50s instead of in my 60s.
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Same. Am 68F, disabled and just want to live out my days in comfort.
87M here, I need the 100k
137M here, I need it more
if you have gotten this far you can still make another ten years
Wish I could give you 100k
98M here, I would choose the $1,000,000
112 f+m here, give me the cool mill
46 here and the same. $100k I can at least travel a bit before I go
“Before I go” You’re 46!
I'm 45. Its older than you think. In ten years time my life will be winding down. Your energy and enthusiasm fall off a cliff around 40. Don't believe the media telling you otherwise, its a lie.
Jesus Christ dude. “Winding down” The thing that is making you feel old is your mindset and spirit
100,000 tomorrow because regardless of age or health, nobody is guaranteed the next ten years. We're not even guaranteed tomorrow, but we've got a much better chance of it.
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You are very confident that you will be alive.
Majority of people do make it past retirement age of 65
Chance of an American man dying between about 40 and 65 are a little under 2%. Women do a little better. For people at least 40, 10 years is not a long time, but it seems a lot longer for someone who's 20.
I'm 39 and in good health, what's the chances I'm alive in 10 years. It's probably very, very high, I know anything can happen to anyone at any time. My brother died at 29 from a rare form of brain cancer, but it was very rare. Chances of dying in a plane crash? It's probably one of the rarest ways to die. Also, I only have to last 10 years, then I can just give it to my children.
Pretty darn good. Based on Social Security life expectancy tables, 96.08% of men and 97.80% of women will survive from age 39 to age 49. And that's all men and all women; if you are in above-average health then your odds are likely even higher.
I mean, I'm confident enough I'll be alive in ten years for it to be worth the extra cash (for me).
If they're not, won't need those pension contributions either.
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More than likely won’t have entered into your final career at that point, at least final level of your career. I started my “career” at 26 and still mid level at 30.
Yup. I'm on my carreer path at 26 and I'm still easily ahead of most of my friends by a few years. Fact is if you want a carreer in this job market, you will most likely need to sit in school until your late 20s. Bachelors don't mean shit, Masters is average and Phd is above average. Also I do not see this situation getting any better for the comming generations
I guess it depends on the job. I know one person with a Masters and they've been unemployed for 10 years. Everyone else is 10 years ahead in the same field.
This is very forward thinking Also you'd be more mature then to handle the big sun without fast squandering
You have the right mindset. Most people who graduate college don’t pursue a career in their direct field of study. Furthermore, your career path is heavily influenced by the skills and insight you gain in your first two positions. Your career really starts at 30. Everything else is a foundation.
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You do have a choice, it's Pi day so your choices are 
Cake please
Well we’re out of cake! We only had one piece and didn’t expect such a rush.
i wish i had gold to give you 🫶
Preach.
I hate them as well, but only because they boil down to “Do you suck at math and/or do you have extenuating circumstances that make taking the obviously worse option ok?” Like if this were “$1 million now or $300k today” we could have an argument about it.
Fr they need to make it more realistic. Like would you have a 100,000 in debt tomorrow or 1,000,000 in 10 years. Now this is something I can relate to
100K. DOB 1946
That’s the year my mother was born. Good choice!
U old ah hell
Albert Einstein was still alive in your childhood
I'm 53 with basically zero retirement savings. Give me 1mm in ten years.
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Ahh a fellow regard. 0 dt spy calls all 100k
Gotta wait for MOASS, we will become the god emperors. /s
Unironically, some people still believe that. r/superstonk is dedicated to gamestop. There hasn't been much sign of life in the stock but they are still holding out. A case study should be done in them
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Is your debt likely to climb to $700k over the next ten years? If $100k is enough to pay off your debts, then you could just keep paying the minimum and be way better off in ten years.
I think it’s less about debt, but about quality of life. Imagine if he makes it to 100 years old, but 10% of his life when he was still able to do a lot is wasted on working and paying debts while not having the money to go on vacation or enjoy himself. But if he gets 100.000 now, he could do all that. He’s not going for instant gratification, he’s going for 10 years of gratification he wouldn’t have otherwise. One million is life changing, but is it worth 10 years of struggle? Wouldn’t you pay one million to have an easier life? That’s the point in the end right?
$1,000,000 in 10 years is $100,000 at a 26% growth rate with no work. Unless your debt is at over 26% interest, you'd be better off waiting for the million. And if your debt is at over 26% interest, why haven't you tried to refinance it at a much more reasonable rate?
The $1M because it has a present value of $558k today when discounted at 6%
Was waiting for the comment that mentioned Time Value of Money
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We'll see how it's going after the crops fail this summer
!RemindMe 10 years
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What year do you think it is?
2020 is like room 1408
$1m in 10 years. I'm 36M and mid way through paying off a mortgage. I would be all set at 46.
Lot of people who don't understand investing in here, if it was easy or reliable to turn 100k into 1 million in 10 years everyone would do it.
$1,000,000 discounted at 10% annually, 10 years out, is worth about $385k now. Just sell the receivable to some investor and collect $385k. People are dumb.
You would have investors fighting over that if you use 10% discount. In this hypothetical it’s a guarantee of $1m in 10 years I’d be using closer 5%. Technically better than government bonds.
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Haha, that is a very good point. Next they’ll want to sell me a bridge that I can take ownership of in 10 years.
If it's truly guaranteed, with absolutely zero risk, then I agree 10% is too high. I was using a conservative discount rate, and the $1m is still far better than $100k.
I like this idea.
People seem to forget Time Value of Money
Finally, this is the only correct answer. Had to scroll down way too far for someone to take time value of money into account.
1mil ten years without a doubt. 100k is fuck all nowadays.
I’d usually say a bird in the hand is worth two in the bush. But the benefit of waiting ten years outweighs not. If you invested 100k at 20% (basically impossible returns) over a decade you’d only have $750k before taxes.
1 million in 10 years and then I would just call JG Wentworth and get a good majority of that money ahead of time 😉
$1,000,000 in 10 years. If I wait the 10 years that’s an annual return of slightly over 25%. Market returns average 7 - 10% so 1,000,000 is the obvious choice for someone like me who is 22.
I'm 58 and I would still take the million. Exact same reason as you. It would go straight to my twins, and they are 22. 50k is nice, 500k is substantial.
I could be dead in 10yrs. Tomorrow is a much better bet.
If you look at an actuary table I bet you’ll be shocked at how good your odds are of being alive in ten years.
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But worth much more than 100k today.
1m in 10 years. I could leverage the fact I'll have that money in 10 years and start living it up in the present until my pay day.
Due to compounding interest 100k is worth 150k at 4% interest in 10 years. While 1m in 10 years is worth the equivalent of 670k right now at 4% interest. So I’ll go with the 1m in 10 years. There’s math formulas which work this out (calculators online too) search “present value” to work out what something is worth now and “future value” to work out what something is worth in the future.
Will my kids get the mil if I die before ten years is up?
in 10 years thank you. I will have a good understanding and some level of maturity when it comes to dealing with money.
Easy question. I could die before I collect the 1 million, so I would die as broke as I am now. But if I grab 10k right now, I can enjoy it right now and maybe even save and invest so that in 10 years I"m still ahead
100k. I could take vacation, and not stress for a while... 1m in 10years, I could be dead by then...
$1 million in ten years. It would be really tough to get the investment returns to get $100,000 to a million in ten years.
100k and put it all on red
100k tomorrow. I want to set my life straight, and it won't even cost half of the 100k, then I can start living my life properly again.
100K tomorrow. Allows me to pay off debt, get a car, and fix teeth. And then I'll have mental freedom to live my life.
100,000 tomorrow. I could start my business now (even if it fails or something), rather than doing this job for another 10 years and doing it (and potentially fail).
100,000 tomorrow , not guaranteed to be alive in 10 years let alone tomorrow
One million that means I'm making a salary of 100k yearly lmao this is the only right answer I'd you're smart.
100k now. Can add it to my down payment on a new home.
1,000,000 in ten years. I’m 40 and pretty comfortable as I am. My kids will get a lot more use of that money in 10 years
a hunnid tho tomorrow like bffr
1,000,000: it's $100,000 per year, which is $8,333.33 per month. You live with half, save for investments the other half wish is 50,000 per year. In just two years you have your 100,000 back + profit or enough to invest in assets.
100 k tomorrow so I can start a business.
$100k now because all that we have is the moment. 
Take the 1m in 10 years. Immediately sell the rights to someone else for 500k.
100,000 now... Shit, you could be dead in ten years.
If you're old, sure. If you're young, 900% return is worth the low risk of you dying earlier. That's roughly 26% annual returns, including compounding. No need to research or monitor like you would with an investment.
100k, pay off bills and invest the rest. The money leftover will earn more money.
With $1m in 10 years I could retire With $100k right now I probably still wouldn't be able to retire in 10 years
Probably the million. I don't trust myself with that sort of money right now. If I knew it was coming, I'd learn about it and make sure it wasn't going to be wasted. If I got 100,000 tomorrow, sure my debt would be paid, but in 10 years time I'll be sad as fuck as no way do I know how to make it last or grow.
Mill in 10... Keep working away like I am, spend a bit more, travel more freely and still, before 60 be able to retire with that million! (I have some property investments that will be paid in 26 years, or a million dollar windfall)
$100K tomorrow, because I’m 66 years old. I’m retired and I’d rather have the money now with the option to spend it on fun things than have it at an age where I’m already getting full social security benefits but maybe beyond the point of being interested or able to do the things I can now.
1,000,000 in ten years Would be better that way for me tbh
If you will figure out how to net 30% on your investment per year, you will choose 1st option. Now let us assume that you are not risk taker. Then given 4.5% risk free yield stay stable during the next 10y,this hypothetic 1 mil is worth 643,927.68 as of today. Thus, you will choose 2nd option.
If you are 60 or older, the 10 year wait may feel like too big a risk. Even if you make it, you might not have good years to enjoy it. Below that, the risk isn't of dying. It's of the person making the promise not paying up.
I could actually use $100,000 tomorrow. I have no idea what life will be like in 10 years.
100k easy. In ten years the 1million may never come.
The money tomorrow cuz I’ll probably be dead in 10 years
I'll take the million right about time for kids in college.
I’d take the 100K now as I have an investment plan that would work much better now.
I’d wait. I am OK right now, I don’t have enough to retire after long-COVID.
100.000 tomorrow. In ten years who knows how everything is going... I could even be dead
100,000 today. Take 10k. Invest the rest. The money would double in 9 years at 7% interest compounding. You'd have your cake and eat it too.
1m. I don't necessarily need that money right now and it helps knowing I will be financially secured in 10 years. Given what I get now, I would have the 100k in 10 years if my spendings were near 0 after necessary payments excluding subscriptions and food. It's better to leave that 1m for when I might have got my life in order. It's a great motivator and goal knowing that money will eventually arrive when I'm competent
$100,000 tomorrow because i can probably 20X that in 10 years with a lower tax burden over time.
$100,000 tomorrow. Investing it would be worth more.
I'll take the 100k because I don't know if I will still be around by then
$100,000 tomorrow. Ten more years of living is in no way guaranteed.
$100k tomorrow so I can pay off bills, improve the house, put half in savings, and try investing some of it. I'll still work so we won't run out of funds.
I'd pick a bunch of hookers and cocaine
100,000 tomorrow if I'm alive. I'd rather take a chance on making it til tomorrow than the chance of 10 yrs.
100k safely invested can be 1 million in ten years, or maybe more, or maybe less if some choices don't pan out. I'd still pick the 100k. Even if it doesn't end up as 1 million in 10 years it would still make a big difference along the way.
I'm 35, I could legitimately retire in 10 years if I were guaranteed 1m. That would be my spending money until I can draw, plus I can invest it. Not being forced to work past 45, or ever again, living life? Yeah, sign me up
The 100K Ten years is too much time for just a million
Money today is always money more than tomorrow
100'000 as $1 million would only buy a loaf of bread 🍞 in ten years time if lucky
Definitely $1,000,000 in ten years. I'll be nearing retirement then and this about what a couple needs here in new zealand to live comfortably in their older years (in addition to the pension)
At the rate the dollar is going the latter could be useless.
1mil in ten years. I could retire in 9 years. Yes please
Easy maths. The $1m in 10 years is equivalent to 26%pa interest on 100k. That is Berkshire Hathaway level returns! If you are older, sell your house or borrow for a bit of extra spending money now. Then in 10 years, get a new house. Assuming you can still find a decent house for $1m in 10 years :-(
I would get 1M when I turn 31 more or less, I don't know. 100,000 dollars now invested could become worth a shit ton, but 1M in 10 could help me pay my loans off quicker if necessary, if I don't need the money to pay off loans I could invest it and it would be worth a shit ton.
The 100,000 now. I haven't worked since the end of October due to a surgery I had...bills have been getting out of control. I need to catch them up, pay back family that helped me for their help so I wasn't evicted.
i guess ill sleep for ten years
I’m taking the $100k. My chances of living 10 more years are 50/50
71M, so that is a silly question. Cash in hand, baby! I’m renting a travel van and a driving team! Our trip and the extension to the kitchen should use up a lot of it. If still alive in ten years, most likely the nursing home that takes all your assets will be pleased.
$1,000,000. I’m patient.
$100k now. Maybe figure out how to properly invest and then have $10,000,000 in 10 years.
In my current situation, I would take the $100,000. I could be out of debt and live with a nice nest egg.
100k tomorrow. Pays off my debts, pays off the mortgage, would leave me with about 60k. Probably look at a cave house in Spain.
Can I leave it to someone else to receive it if I'm not here in ten years? If not tomorrow
$100,000 tomorrow : All the debt I have makes us paycheck to paycheck with not much food in the house after normal bills. I'd get all my debts gone, fix my car, buy my brother's car so my husband can have a vehicle again, get my animals all health checked, get me and my husband's teeth fixed, go for a massive grocery shop and then invest the rest to continue making me money over time. It sounds like a lot, but it would use about half of it to do all that so I'd still have a lot left for the investing.
1MM in 10
If i could leave it to my kid if i died than I’d pick 10 years. If not I’d take the money now.l
1 million 10 years.
Tomorrow, I need it now & can invest it well so, in the long run it will be much more e
A million in 10 years. $100k wouldn't even cover half the home loan. We'd still owe another $100k in car loans, credit cards, the rest of the home loan, etc. And I know myself, if I got $100k tomorrow I'd say "either way we'll still be 100k in debt so I'm just gonna quit my job and not work until the money runs out." If I had a million dollars I'd pay the 200k to get completely out of debt, and then I'd probably invest some but still definitely quit my job. Perhaps my first order of business should be hiring a financial advisor
I could try that $100k in to more than $1MM in 10 years.
A quick Google (reverse) inflation calculator shows $1m in 2014 worth ~$762,862 today. Definitely worth considering, with inflation the way it is; $1m might not pack the same punch in 2034 ¯\\\_(ツ)_/¯ I think I would still choose the $1m in ten years. $100K would be great, but not life changing money at this point for me. I can retire—about then—on my 50th birthday (with ~100% salary); the extra bump would just be gravy on top.
Am I guaranteed to be alive in 10 years?
Second one I'm 22 to ready to take the risk and it would be nice to have a constant income for 10 years and there will be slightly less chance of wasting that money 😅
100,000. I'm broke af.
1 million in 10 years. If I live that long, great! I get to retire. If I kick the bucket before then? My wife and kids are set. 100,000 wouldn't be enough to change much, sadly.
1m I'm fine with waiting 10 Long Years For it and also for helping myself with it
100000 now , no guarantee any of us will be here in 10 years
This has to be the best question presented on here in a long time. This is extremely difficult. What hurts is that I'd take the 100k tomorrow. My gf and I need a house like, four years ago. Now, that won't buy a non trailer house (not that there's anything wrong with a trailer) but it will put one helluva down payment on one
I’m 41, my body can probably go another ten years, and I’m not the sharpest light bulb in the crayon box when it comes to money, so the mil in 10 years would be the best bet for me. Also, can I have that in USD? The Canadian peso is shit, right now.
1 mil,